HBLPAY Payment Gateway for WooCommerce vs UpdraftPlus

HBLPay Payment Gateway is simple checkout platform that enables ecommerce merchants to accept online payments from its VISA, Master and Union Pay credit/debit cards customers. Besides this it also enables account based and wallet payments from HBL and Other Partner Bank accounts. Features & Benefits • One window digital payment solution • Seamless addition of new payment methods • platforms Provides free of cost plugins for renowned ecommerce. • Supports card tokenization for repeat customer’s transactions • Supports transactions in following currencies: 1. PKR 2. USD 3. CAD 4. GBP 5. AED 6. Euro Account & Pricing This plugin is free-of-cost. However, HBL charges merchants for the Payment Gateway services separately. To sign up with HBL Payment Gateway services, please contact our representative on [email protected] or visit HBL official website for more information https://www.hbl.com. Why Choose HBLPAY? • 3D Secure and PCI DSS compliant – Protects the merchant from financial liability shift in case of card misuse. The PCI DSS compliance relieves the organization from card-based data security issues as this is taken care by CyberSource. OTP is required to process all types of transactions. • Multicurrency support – Merchant accepts the payments in multiple currencies (PKR, USD, EURO, GBP and AED) • Recurring transactions – Cardholder allows the merchant to collect payments for goods/services on a prearranged schedule (Daily/Weekly/Monthly). It supports subscription and installments payments. • Fraud Management Module – Decision Manager has been an excellent fraud prevention tool being used worldwide including large organization like Emirate’s airline etc. It detects frauds patterns with the help of 260+ variables including IP, BIN, velocity, address and advance features like Device finger printing. • Merchant Portal – Comprehensive portal gives access to transaction history, reports, refunds and search options thus minimizing dependency on external organization. • Custom and Auto Reports – Merchant can easily create unlimited customize reports to fulfill their business needs by using up to 300+ available data fields. Subscribe recurring (Daily/Weekly/Monthly) reports and one-time subscription option also available. • Branding – You can brand the payment page with your logo, header, footer, text style, colors etc. to give customer same website experience. • Payment Method – Seamless addition of new payment methods (Credit, Debit, E-Wallets, Card-less Transactions or Account Debits). • Plugins – Provides pre developed Apps for common platforms Magneto & WOO Commerce. It will help merchants to integrate merchant website/Mobile app in few hours. Code snippets for PHP and .Net are available to enable quick integration. • Merchant Discount Rate (MDR) – Business friendly Merchant Discount rate is available for merchant to avail the services. • APIs – Options to integrate either via API’s or by redirecting to HBLPay gateway to process transactions. • Refunds/Reversal Functionality – APIS’s and Portals are available to initiate refunds and reversals from merchants to customer accounts. What’s new in Version 4.0.0? V4.0.0 is all in one! A complete package! Payment made easier with many features like Bin discounting and can accommodate all merchant’s need. Compatible with latest WooCommerce features like HPOS and Checkout Blocks and at the same time it is backward compatible with versions not using this feature. FAQs Q: What is the HBL Ecommerce Checkout Solution? It is a payment platform that enables eCommerce Merchants/Aggregator/PSOs/ PSPs to accept online payments from their customers on their websites and mobile apps. The service gives a Single, Simple & Quicker integration; one for all card schemes and Direct Transfer facility from Accounts and wallets for the ecommerce merchants. Ecommerce checkout solution also offers plugins and apps for renowned ecommerce platforms to help merchants integrate faster and within few hours. Q: How does Ecommerce Checkout Solution works? A: For online payments, merchants (seller) receive payments via the Internet or in situations when a payment is not physically presented to the merchant by the customer (buyer) at the time of the transaction. The following steps explain how funds are transferred to your bank account when customer pays through credit or debit card: Customer places and order to a 1. A customer submits the credit/debit card or account based transaction to the Payment Gateway via a secure connection from your Web site. 2. Payment Gateway receives the secure transaction information and passes it via a secure connection to your bank’s processor. 3. Your bank’s processor submits the transaction to the bank where payments are deducted from customers. 4. Upon successful confirmation of payment, 5. The Credit/Debit Card Issuer approves or declines the transaction based on the customer’s available funds and passes the transaction results, and if approved, the appropriate funds, back through the Credit/Debit Card Interchange. 6. The Credit/Debit Card Interchange relays the transaction results to your bank’s processor. 7. Your bank’s processor relays the transaction results to the Payment Gateway. 8. Payment Gateway stores the transaction results and sends them to you and/or your customer. 9. Payment for successful transaction will be made by the bank in the merchant’s designated bank account Q: What are the benefits of using HBL Payment Gateway? • Secure Payment – Each transaction will be verified by the Customer via One Time Password (OTP) sent to their registered mobile number. • Smooth Reconciliation – Ecommerce Checkout Solution can help merchants overcome accounting reconciliation process challenge by automating the reconciliation process. There are many in-built features like advanced dashboards and automated reports that offer detailed business insights allowing them keep an eye on cash flows and perform reconciliation. • Customer Friendly – Provide customers with a simple and easy checkout experience through multiple payment options • Ease in Security Compliance – Ecommerce Checkout Solution helps merchants to avoid sensitive customer data handling directly on their website. Q: What is the basic requirements to avail HBL Ecommerce Checkout Solution? Following are the two basic requirements to avail Ecommerce Checkout Solution Registered business in Pakistan. Registered company’s bank account at HBL. Q: What are the charges of HBL Ecommerce Checkout Solution? A: There are three type of charges which HBL charges in order to provide payment gateway services. Merchant Discount Rate – charged on each transition and will be assessed by the bank Setup Charges up to PKR 100,000 Annual Maintenance Charges up to PKR 100,000 Transaction charges up to PKR 50 per transaction Note: The above charges are exclusive of applicable taxes and can be amended on a case to case basis depending on your business module. Q: Which currencies are available on HBL Ecommerce Checkout solution? A: Currently, top currencies are available for transactions on HBL Ecommerce Checkout Solution. USD EURO GPB AED PKR SAR SGD CAD Q: How much time will bank take to transfer the order/transaction amount into my (merchant) bank account? A: It will take maximum two working days from the date of transaction to reflect into merchant’s account. Q: Are there any limits for number of transctions and transaction amount? A: Yes, limits are applied based on the nature of business. Q: How merchant can be On-boarded with HBL? A: Merchant onboarding is a simple process as define below. • HBL shares the legal agreement with the merchant where merchant provides different types of details about their business. • After obtaining that information from the merchant, merchant is offered a pricing by HBL. • After the acceptance of the offered pricing by the bank, merchant signs-off the legal agreement and submit that to the bank. • An implementation manager is assigned to the merchant to assist them with the technical integration of their website and/or Mobile app. • After the successful technical integration live credentials are shared by the bank with the merchant and a training session is conducted by bank’s trained staff to enable merchant staff to perform all required operations to run their day to day business. • A Client Services Manager is also assigned to the merchant to assist the merchant going forward. Q: Does HBL provides any plugin for integration of HBL Internet Payment Gateway? A: Yes, HBL provide free of cost plugins for renowned ecommerce platforms Magneto & WOO Commerce for the quickest integration on merchant website/Mobile apps. Moreover, there are multiple third party plugins available online which can be also used for HBL Ecommerce Checkout solution integration. However, that is completely a merchant’s choice what plugin to use.

The UpdraftPlus Backup & Migration Plugin is trusted by the WordPress community to backup, restore and migrate their WordPress websites. UpdraftPlus is actively installed on more than 3 million websites around the world. Backup with UpdraftPlus UpdraftPlus is the world’s highest ranking and most popular scheduled backup and migration plugin. Backup to your preferred storage location and restore in just three clicks. Backup to Dropbox, Google Drive, Amazon S3 (or compatible), Rackspace Cloud, FTP, DreamObjects, Openstack Swift or email. The paid version also allows you to backup to Microsoft OneDrive, Microsoft Azure, Google Cloud, Backblaze B2, SFTP, SCP, pCloud, WebDAV or UpdraftVault, our integrated storage option for UpdraftPlus. Backup manually or schedule to run every 2, 4, 8 or 12 hours, daily, weekly, monthly or fortnightly. Restore with UpdraftPlus Your WordPress website is vulnerable. Your site may get hacked. Something could go wrong with an update or your server could crash. You might need to reverse a change made or a mistake caused by human error. Whatever the reason, you can restore your WordPress website in just a few clicks with UpdraftPlus. Choose which components to restore (e.g. plugins, themes, database etc.), click again to restore, then click again to return to the main screen. Migrate with UpdraftPlus It’s easy to migrate your WordPress website to another web host, server or domain with this free version of UpdraftPlus. To migrate, simply download your database, plugins, themes etc. from the source site, then upload them into your destination site. When migrating, a built-in search-and-replace engine identifies old strings and replaces these to reflect the new location. UpdraftPlus saves you time and reduces the risk of broken links or missing files associated with manual migrations. Why UpdraftPlus? Writing a reliable backup and migration plugin that ‘just works’ consistently across millions of different WordPress deployments is hard. UpdraftPlus is relied upon to do exactly that. We’re trusted and actively deployed on more websites around the world than any other WordPress backup and migration plugin. UpdraftPlus: Backs up, migrates and restores Offers a huge number of remote storage locations Allows you to schedule backups, so you can ‘set and forget’ Is comprehensive and easy to use Is proven to work on over 3 million sites. UpdraftPlus Premium The free version of UpdraftPlus will back up and migrate your website perfectly well. However if you need more features and options you can purchase our Premium version. Backup and Migrate with UpdraftPlus Premium, and: Get automatic backups before updates. Restore the very latest version if a WordPress or plugin update breaks your site. Backup Incrementally. Changes are added to the master, saving server resources vs repeatedly backing up in full. Get more remote storage options including Microsoft OneDrive, SFTP, Microsoft Azure, WebDAV, Google Cloud, SCP, Backblaze and pCloud. Get 1GB of integrated storage with UpdraftVault for 99.999% reliability, redundancy and scalability. Get more control over how many backups are stored in a specified interval. Restore from other backup plugins including BackWPup, BackupWordPress, Simple Backups and more. Run backups at set times e.g. during periods of low traffic. Backup to more than one location for added protection. Get detailed reports. Includes cryptographic checksums so you can verify the integrity of the backup files and more. Get Premium migration. Migrating to the destination site is more direct and can be done from the source site. Get Multisite / multi-network compatibility. Backup non-WP files and databases e.g. tables belonging to your e-commerce store or customisations to WordPress core. Get database encryption. Manage your backups and migrations from the WP-CLI. Get Premium Support. Find out more on our comparison page. UpdraftPlus Premium is available for purchase here. Managing multiple websites? UpdraftCentral is a powerful remote control dashboard for WordPress that allows you to manage your backups, as well as updates, users, pages, posts, plugins and themes from one central location. Choose between: UpdraftCentral (free, self-hosted) UpdraftCentral Premium (paid-for, self-hosted) UpdraftCentral Cloud (paid-for, fully-hosted) Optimize your sites centrally by combining the power of WP-Optimize and UpdraftCentral or manage your backups centrally by combining the power of UpdraftPlus with UpdraftCentral. Need to create a temporary clone of your site? UpdraftClone makes it quick and easy to create a temporary sandbox for changes you want to try out. Simply select the versions of WordPress and PHP that you want, and we’ll do the rest. More about UpdraftClone The full suite of plugins from Team Updraft and friends UpdraftPlus. Backup, migrate and restore. Rated 5* on the plugin directory and trusted by more than 3 million WordPress website owner WP-Optimize. Clean the database, compress images and caching. Optimize your WordPress website. 5* user rating. 1 million + active installs. All-In-One Security (AIOS). Secure your WordPress website. Comprehensive, feature rich and easy to use. 5* user rating and 1 million + active installs. WP Overnight. Quality Extensions for your WooCommerce store. 5* rated invoicing, order and product management, customer management solutions and more. Easy Updates Manager. Take control of updates. Lots of features for free, and a Premium version with even more – over 300,000 users. Internal Link Juicer.Boost your SEO. Automate internal links within your WordPress website. Save time and rank higher in the search engines. For other useful, free plugins see our lead developer’s profile, here. Are you multilingual? Can you translate? Do you want to help people that speak your language to backup, migrate and restore their WordPress websites? The UpdraftPlus backup, migration and restoration plugin is ready and waiting. The translation process is easy, and web-based – please go here for instructions: https://updraftplus.com/translate/. Or, if you’re already an expert WordPress translator, just pick out the .pot file from the wp-content/plugins/updraftplus/languages/ directory – if you scan for translatable strings manually, then you need to get these functions: _x(), __(), _e(), _ex(), log_e(). Many thanks to our existing translators. License Copyright 2011-24 David Anderson This program is free software; you can redistribute it and/or modify it under the terms of the GNU General Public License as published by the Free Software Foundation; either version 3 of the License, or (at your option) any later version. This program is distributed in the hope that it will be useful, but WITHOUT ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the GNU General Public License for more details. You should have received a copy of the GNU General Public License along with this program; if not, write to the Free Software Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA Non-English translators are provided by volunteers, and wordpress.org does not give plugin developers control over their translations; thus relying on them is at your own risk; UpdraftPlus cannot guarantee that translations from the original English are accurate. We recognise and thank those mentioned at https://updraftplus.com/acknowledgements/ for code and/or libraries used and/or modified under the terms of their open source licences.